Sarah Aly Mahrous is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. She has worked at JPMorgan Chase Bank, N.A. since 2021 and previously worked at PNC Bank from 2017 to 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Todd Waters is a Series 66-licensed financial advisor with Morgan Stanley in Morristown, NJ, with 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm employs structured planning tools and does not provide individual security recommendations as part of its standalone planning services.

Frank Karpack is a CFP® and ChFC® with 26 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at Massachusetts Mutual Life Insurance Company since 2016. Prior to that, he spent eight years with METLIFE Securities Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management, using firm-approved analytical tools to develop collaborative, written recommendations for clients.

Ryan Guthrie is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2008 and specializes in working with high net worth private clients as well as institutional retirement plans. Ryan focuses on providing financial strategies for individuals, families, and business owners, including designing and administering corporate retirement plans. Ryan has over 14 years of experience in the financial industry and holds several professional designations, including Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated with a Bachelor of Arts degree in Economics from The University of Vermont. Outside of his professional role, Ryan sings and plays guitar in two bands. He is also involved in community service as a member of the Mendham Township, NJ Zoning Board of Adjustment.

Michael Bocina is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In his role, he partners with individuals and families to understand their financial goals and assists them in planning to achieve those goals. He focuses on understanding the uniqueness of each client's personal situation to explore appropriate investment options. Mr. Bocina has extensive experience in the financial services industry, having worked in various roles since 1992. Prior to his current role, he was Vice President of Institutional Managed Accounts at Fidelity Investments from 2006 to 2012. Before that, he held the same position at Bank of NY from 1999 to 2006. He also gained experience as a Financial Consultant at Merrill Lynch from 1996 to 1999 and worked in Fixed Income Trading & Sales at Smith Barney from 1992 to 1996.

Lydia Nimene is a financial advisor with Merrill in Florham Park, NJ, holding a Series 66 designation and over 25 years of industry experience. She has been with Merrill and Merrill Lynch since 1986, accumulating 40 years of service at the firm. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Gabay is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and bringing 28 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Alexander Marashlian is the Branch Leader at Fidelity Investments in Morristown, where he leads the Fidelity Team in promoting client engagement and fostering a culture of excellence. He is focused on connecting with the community through local events and meetings to strengthen relationships with the town and surrounding areas. Prior to his current role, Alexander served as Executive Director and Head of National Internal Sales at Morgan Stanley Investment Management from 2014 to 2021. His professional experience encompasses leadership and sales within the financial services industry. Outside of his professional responsibilities, Alexander's personal interests include spending time at the beach, camping, enjoying comedy, participating in family activities, gardening, and watching movies.

Todd Gutkin is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been associated with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is a partner in GB Fitness, a gym business based in Hackettstown, New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and Corporate Financial Planning agreements with employers.

Louis Villanueva is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

John Langdon is a financial advisor with Cetera, holding a Series 63 designation and over 41 years of industry experience. His career includes roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Langdon is involved in several nonprofit and community organizations, including board positions with the St. Joseph’s High School Foundation and the Brothers of the Sacred Heart Foundation, as well as advisory roles with charities supporting families affected by pediatric cancer. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a range of portfolio management and consulting services, using a multi-manager platform that includes affiliated and third-party models, discretionary and non-discretionary account management, and various program structures.

Randel Evleth is a Wealth Management Advisor at Merrill Lynch Wealth Management. With a career in financial services beginning in 1987, he has over 30 years of experience providing financial guidance to individuals, families, and business owners. Randel specializes in executive compensation, family wealth management strategies, legacy planning, retirement income, portfolio management, and socially responsible investing, among other areas. He holds several professional designations including Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Randel earned a Bachelor's degree in Political Science from Franklin and Marshall College. As a CPWA professional, he has advanced training in wealth accumulation, preservation, and distribution. Randel is a member of a 13-person multigenerational team that leverages diverse experiences to assist clients in addressing the various phases of wealth management. He is involved in the Greater Somerset County YMCA community and participates in activities such as baseball, biking, golfing, running, skiing, swimming, watching movies, and woodworking.

Thomas Nisivoccia is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated entities since 2013, except for a two-year period of unemployment between 2024 and 2026. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, and serves over 10,000 advisors and approximately 800,000 clients nationwide.

Colleen D'Antonio is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured planning tools and scenario modeling.

Brian Kelly Jr. is a financial advisor at Morgan Stanley with 31 years of industry experience. He has held positions at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, following a 15-year tenure at Citigroup Global Markets. Kelly holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes a structured planning process supported by firm-approved tools and offers a range of investment and financial products through its extensive network.

Ramon Ortel is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with 21 years of industry experience. His career includes roles at Citigroup Global Markets from 2005 to 2009 and multiple positions within Morgan Stanley and its Private Bank since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm uses a structured approach involving firm-approved tools and analytics to support client financial plans, managing approximately $2.74 trillion in client assets.

Arnold Plonski is a financial advisor with Merrill, holding a Series 63 designation and with 44 years of industry experience. He has worked at Merrill since 1981 and has been associated with Bank of America since 2009. His spouse is involved in several business ventures unrelated to investment management, including an antique center and a glass school organization. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a diverse client base that includes individuals, high-net-worth clients, and institutions.

Christine Zamarra is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a councilperson for Bernardsville Borough in New Jersey. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and firm-approved tools to assist clients in developing and implementing financial plans.

Nicholas Pascarella is a CFP® with 40 years of industry experience, currently affiliated with Cetera. He has been associated with Cetera Advisors LLC since 2013 and has owned Pascarella Wealth Partners LLC since 1989. In addition to his advisory work, he is involved in the life settlement business as an insurance agent and serves as a contingent trustee. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers, providing diverse program structures and ongoing client supervision.

Kevin Lawlor is a financial advisor at Morgan Stanley with 33 years of industry experience. He has held positions at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He holds the Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers comprehensive financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.